合肥贷款25万（公积金贷款）房贷，还款4年的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：25万
还款月数：4年
每月还款：5462.05元
利息总额：1.22万
本息合计：26.22万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 5462.05 | 489.58 | 4972.47 | 245027.53 |
| 2 | 2025-07 | 5462.05 | 479.85 | 4982.21 | 240045.32 |
| 3 | 2025-08 | 5462.05 | 470.09 | 4991.97 | 235053.36 |
| 4 | 2025-09 | 5462.05 | 460.31 | 5001.74 | 230051.61 |
| 5 | 2025-10 | 5462.05 | 450.52 | 5011.54 | 225040.08 |
| 6 | 2025-11 | 5462.05 | 440.70 | 5021.35 | 220018.73 |
| 7 | 2025-12 | 5462.05 | 430.87 | 5031.18 | 214987.54 |
| 8 | 2026-01 | 5462.05 | 421.02 | 5041.04 | 209946.51 |
| 9 | 2026-02 | 5462.05 | 411.15 | 5050.91 | 204895.60 |
| 10 | 2026-03 | 5462.05 | 401.25 | 5060.80 | 199834.80 |
| 11 | 2026-04 | 5462.05 | 391.34 | 5070.71 | 194764.09 |
| 12 | 2026-05 | 5462.05 | 381.41 | 5080.64 | 189683.45 |
| 13 | 2026-06 | 5462.05 | 371.46 | 5090.59 | 184592.86 |
| 14 | 2026-07 | 5462.05 | 361.49 | 5100.56 | 179492.30 |
| 15 | 2026-08 | 5462.05 | 351.51 | 5110.55 | 174381.75 |
| 16 | 2026-09 | 5462.05 | 341.50 | 5120.56 | 169261.19 |
| 17 | 2026-10 | 5462.05 | 331.47 | 5130.58 | 164130.61 |
| 18 | 2026-11 | 5462.05 | 321.42 | 5140.63 | 158989.98 |
| 19 | 2026-12 | 5462.05 | 311.36 | 5150.70 | 153839.28 |
| 20 | 2027-01 | 5462.05 | 301.27 | 5160.79 | 148678.49 |
| 21 | 2027-02 | 5462.05 | 291.16 | 5170.89 | 143507.60 |
| 22 | 2027-03 | 5462.05 | 281.04 | 5181.02 | 138326.58 |
| 23 | 2027-04 | 5462.05 | 270.89 | 5191.16 | 133135.42 |
| 24 | 2027-05 | 5462.05 | 260.72 | 5201.33 | 127934.09 |
| 25 | 2027-06 | 5462.05 | 250.54 | 5211.52 | 122722.57 |
| 26 | 2027-07 | 5462.05 | 240.33 | 5221.72 | 117500.85 |
| 27 | 2027-08 | 5462.05 | 230.11 | 5231.95 | 112268.90 |
| 28 | 2027-09 | 5462.05 | 219.86 | 5242.19 | 107026.71 |
| 29 | 2027-10 | 5462.05 | 209.59 | 5252.46 | 101774.25 |
| 30 | 2027-11 | 5462.05 | 199.31 | 5262.75 | 96511.50 |
| 31 | 2027-12 | 5462.05 | 189.00 | 5273.05 | 91238.45 |
| 32 | 2028-01 | 5462.05 | 178.68 | 5283.38 | 85955.07 |
| 33 | 2028-02 | 5462.05 | 168.33 | 5293.73 | 80661.35 |
| 34 | 2028-03 | 5462.05 | 157.96 | 5304.09 | 75357.25 |
| 35 | 2028-04 | 5462.05 | 147.57 | 5314.48 | 70042.77 |
| 36 | 2028-05 | 5462.05 | 137.17 | 5324.89 | 64717.89 |
| 37 | 2028-06 | 5462.05 | 126.74 | 5335.31 | 59382.57 |
| 38 | 2028-07 | 5462.05 | 116.29 | 5345.76 | 54036.81 |
| 39 | 2028-08 | 5462.05 | 105.82 | 5356.23 | 48680.58 |
| 40 | 2028-09 | 5462.05 | 95.33 | 5366.72 | 43313.86 |
| 41 | 2028-10 | 5462.05 | 84.82 | 5377.23 | 37936.63 |
| 42 | 2028-11 | 5462.05 | 74.29 | 5387.76 | 32548.86 |
| 43 | 2028-12 | 5462.05 | 63.74 | 5398.31 | 27150.55 |
| 44 | 2029-01 | 5462.05 | 53.17 | 5408.88 | 21741.67 |
| 45 | 2029-02 | 5462.05 | 42.58 | 5419.48 | 16322.19 |
| 46 | 2029-03 | 5462.05 | 31.96 | 5430.09 | 10892.10 |
| 47 | 2029-04 | 5462.05 | 21.33 | 5440.72 | 5451.38 |
| 48 | 2029-05 | 5462.05 | 10.68 | 5451.38 | 0.00 |
等额本金还款方式：
贷款总额：25万
还款月数：4年
首月还款：5697.92元
每月递减：10.2元
利息总额：1.2万
本息合计：26.2万
节省利息：183.8元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2025-06 | 5697.92 | 489.58 | 5208.33 | 244791.67 |
| 2 | 2025-07 | 5687.72 | 479.38 | 5208.33 | 239583.33 |
| 3 | 2025-08 | 5677.52 | 469.18 | 5208.33 | 234375.00 |
| 4 | 2025-09 | 5667.32 | 458.98 | 5208.33 | 229166.67 |
| 5 | 2025-10 | 5657.12 | 448.78 | 5208.33 | 223958.33 |
| 6 | 2025-11 | 5646.92 | 438.59 | 5208.33 | 218750.00 |
| 7 | 2025-12 | 5636.72 | 428.39 | 5208.33 | 213541.67 |
| 8 | 2026-01 | 5626.52 | 418.19 | 5208.33 | 208333.33 |
| 9 | 2026-02 | 5616.32 | 407.99 | 5208.33 | 203125.00 |
| 10 | 2026-03 | 5606.12 | 397.79 | 5208.33 | 197916.67 |
| 11 | 2026-04 | 5595.92 | 387.59 | 5208.33 | 192708.33 |
| 12 | 2026-05 | 5585.72 | 377.39 | 5208.33 | 187500.00 |
| 13 | 2026-06 | 5575.52 | 367.19 | 5208.33 | 182291.67 |
| 14 | 2026-07 | 5565.32 | 356.99 | 5208.33 | 177083.33 |
| 15 | 2026-08 | 5555.12 | 346.79 | 5208.33 | 171875.00 |
| 16 | 2026-09 | 5544.92 | 336.59 | 5208.33 | 166666.67 |
| 17 | 2026-10 | 5534.72 | 326.39 | 5208.33 | 161458.33 |
| 18 | 2026-11 | 5524.52 | 316.19 | 5208.33 | 156250.00 |
| 19 | 2026-12 | 5514.32 | 305.99 | 5208.33 | 151041.67 |
| 20 | 2027-01 | 5504.12 | 295.79 | 5208.33 | 145833.33 |
| 21 | 2027-02 | 5493.92 | 285.59 | 5208.33 | 140625.00 |
| 22 | 2027-03 | 5483.72 | 275.39 | 5208.33 | 135416.67 |
| 23 | 2027-04 | 5473.52 | 265.19 | 5208.33 | 130208.33 |
| 24 | 2027-05 | 5463.32 | 254.99 | 5208.33 | 125000.00 |
| 25 | 2027-06 | 5453.13 | 244.79 | 5208.33 | 119791.67 |
| 26 | 2027-07 | 5442.93 | 234.59 | 5208.33 | 114583.33 |
| 27 | 2027-08 | 5432.73 | 224.39 | 5208.33 | 109375.00 |
| 28 | 2027-09 | 5422.53 | 214.19 | 5208.33 | 104166.67 |
| 29 | 2027-10 | 5412.33 | 203.99 | 5208.33 | 98958.33 |
| 30 | 2027-11 | 5402.13 | 193.79 | 5208.33 | 93750.00 |
| 31 | 2027-12 | 5391.93 | 183.59 | 5208.33 | 88541.67 |
| 32 | 2028-01 | 5381.73 | 173.39 | 5208.33 | 83333.33 |
| 33 | 2028-02 | 5371.53 | 163.19 | 5208.33 | 78125.00 |
| 34 | 2028-03 | 5361.33 | 152.99 | 5208.33 | 72916.67 |
| 35 | 2028-04 | 5351.13 | 142.80 | 5208.33 | 67708.33 |
| 36 | 2028-05 | 5340.93 | 132.60 | 5208.33 | 62500.00 |
| 37 | 2028-06 | 5330.73 | 122.40 | 5208.33 | 57291.67 |
| 38 | 2028-07 | 5320.53 | 112.20 | 5208.33 | 52083.33 |
| 39 | 2028-08 | 5310.33 | 102.00 | 5208.33 | 46875.00 |
| 40 | 2028-09 | 5300.13 | 91.80 | 5208.33 | 41666.67 |
| 41 | 2028-10 | 5289.93 | 81.60 | 5208.33 | 36458.33 |
| 42 | 2028-11 | 5279.73 | 71.40 | 5208.33 | 31250.00 |
| 43 | 2028-12 | 5269.53 | 61.20 | 5208.33 | 26041.67 |
| 44 | 2029-01 | 5259.33 | 51.00 | 5208.33 | 20833.33 |
| 45 | 2029-02 | 5249.13 | 40.80 | 5208.33 | 15625.00 |
| 46 | 2029-03 | 5238.93 | 30.60 | 5208.33 | 10416.67 |
| 47 | 2029-04 | 5228.73 | 20.40 | 5208.33 | 5208.33 |
| 48 | 2029-05 | 5218.53 | 10.20 | 5208.33 | 0.00 |